Westpac POS Code 04

A POS message of 04 on your Westpac device means: Pick-up card. We’ve outlined more details on what to do when you see this code below.

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Fix Westpac POS Response Code 04

In this article, we’ll look at why you’re seeing the code 04 on your Westpac terminal and the next steps you can take.

What is a Response Code 04?

The response code 04 from Westpac means “Pick-up card.” This indicates that the card used for the transaction has been reported as lost or stolen. The card holder should immediately contact their issuing bank to report the situation and take necessary actions to protect their account.

In simple terms, if a customer’s card is declined with this response code, it means that the card has been flagged as potentially compromised. This could be due to the card being reported as lost or stolen, or there may be other security concerns. To resolve the issue, the card holder should reach out to their bank to report the situation and get a replacement card. It is important to take prompt action to prevent any unauthorized use of the card and ensure the security of the account.

What do I do?

When the POS operator sees Response Code 04, which means “Pick-up card” for the Westpac merchant, they should take the following steps:

1. Inform the customer that their card cannot be used and needs to be picked up.
2. Advise the customer to contact their issuing bank immediately.
3. Explain that Response Code 04 could indicate that the card has been reported as lost or stolen.
4. Suggest the customer to request a replacement card from their bank.
5. Ensure the customer understands the importance of contacting their bank promptly to prevent any unauthorized transactions.
6. Offer alternative payment methods if available, such as cash or another card.
7. Thank the customer for their understanding and cooperation.

Remember, it is crucial to prioritize the customer’s security and assist them in resolving the issue with their card.

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If you need more information on how to deal with a response code of 04 showing on your Westpac terminal, we recommend that you speak to your Westpac Bank Account Manager. If you’re looking for help with knowing what POS options are available, get in touch with one of our POS Experts.

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